Head of Product & Underwriting

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Requirements:

• 15+ years of leadership experience in Personal Lines insurance, with a strong background in product development, underwriting, and risk management.
• Deep technical knowledge of P&C insurance underwriting (Personal Auto & Home) and experience scaling product and underwriting teams in a high-growth environment.
• Strong P&L management experience with a track record of delivering profitable growth, underwriting discipline, and operational efficiency.
• Strategic and analytical mindset, with the ability to break down complex problems, synthesize insights, and drive rapid decision-making.
• Expertise in advanced analytics, predictive modeling, and leveraging data-driven underwriting strategies.
• Exceptional leadership and team development skills, with a passion for mentoring and scaling high-performing teams.
• Experience working in an Insurtech, digital-first insurance carrier, or fast-moving startup is a strong plus.
• Strong regulatory knowledge and experience working directly with state insurance regulators and DOI filings.
• Effective communicator, influencer, and executive presence with experience working closely with C-Suite, investors, and external stakeholders.
• Ability to thrive in a dynamic, high-growth, and innovative environment with a strong bias for action and results.

Responsibilities:

• Set the strategic vision for Branch’s Personal Lines Product & Underwriting functions, ensuring alignment with company growth goals and profitability targets.
• Lead and develop high-performing teams, fostering a culture of innovation, accountability, and execution excellence.
• Own the P&L for the Personal Lines business, optimizing product mix, pricing strategies, and underwriting effectiveness to achieve sustainable growth.
• Leverage advanced analytics, AI, unique product capabilities, multi-channel distribution, and cutting edge, flexible technologies to iterate upon Branch's underwriting advantages to attract profitable members to Branch's membership.
• Optimize underwriting strategy by leveraging advanced data analytics, automation, and machine learning models to improve risk selection and operational efficiency.
• Establish industry-leading product innovation by continuously evolving coverage offerings, responding to market trends, and ensuring products remain competitive and compliant.
• Enhance underwriting governance and risk controls to ensure Branch maintains a balanced, scalable, and sustainable book of business.
• Collaborate cross-functionally with Pricing, Data Science, Claims, Sales, and Engineering to integrate underwriting technology that supports fast, frictionless customer experiences.
• Drive regulatory strategy and oversee compliance with state insurance departments to maintain operational agility in a highly regulated industry.
• Represent Branch as a thought leader in the insurance industry by engaging with regulators, industry groups, and partners to shape the future of digital underwriting and product design.
• Model executive leadership within the organization as a key member of the Leadership Council, contributing to company-wide strategic initiatives and decision-making.